Total monthly cost of ownership
Cost to Own a Home in Mariposa, California
A $306,000 home here costs
$2,370per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $101,500 a year.
A standard mortgage calculator would have told you $1,668. The real number is $702 higher every month, 42% more than the payment most buyers budget for.
Compare Mariposa County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Mariposa from a five-year rolling sample, and with about 1,202 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Mariposa County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Mariposa against Mariposa County and California
| Measure | Mariposa | Mariposa County |
|---|---|---|
| Median home value | $306,100 | $358,000 |
| Median property tax | $2,187 | $2,437 |
| Effective tax rate | 0.714% | 0.681% |
| Median gross rent | $629 | $1,268 |
| Population | 1,202 | 17,060 |
The weather behind that power bill
Mariposa sits in Mariposa County, which averages a high of 74.9°F in its hottest month and a low of 30.5°F in its coldest, with 40.44" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 308 cooling and 5,919 heating degree days, which is what sets the $150 electricity line above.
See the full climate breakdown for Mariposa County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Mariposa County
Full Mariposa County cost breakdown · Every county in California
Talk to someone who works this market
These are Mariposa averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Mariposa every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Mariposa I already own here and may sell
Common questions
How much does it cost to own a home in Mariposa?
A $306,000 home in Mariposa, California costs approximately $2,370 per month with 20% down at 7.24%. That is $1,668 principal and interest, $182 property tax, $47 homeowners insurance, $218 utilities and $255 set aside for maintenance.
What is the property tax rate in Mariposa?
Mariposa has an effective property tax rate of 0.714%, based on a median home value of $306,100 and median real estate taxes of $2,187. That is higher than the Mariposa County average of 0.681%.
What is the average home price in Mariposa?
The median owner-occupied home value in Mariposa, California is $306,100, against $358,000 across Mariposa County.
Is it cheaper to rent or buy in Mariposa?
Median gross rent in Mariposa is $629 a month, against $2,370 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Mariposa?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Mariposa, California at today's rate takes a household income of roughly $101,500 a year. That covers the full $2,370 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Mariposa, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for California.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.